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Development of national payment systems: problems and prospects

Title: 


Development of national payment systems: problems and prospects


Authors: 


Polishchuk, Nataliia
Golda, Nadiya


Affiliation: 


Vinnytsia Finance and Economics University 71a, Pirogova str., Vinnytsia, 21037, Ukraine
Ternopil Ivan Pul'uj National Technical University 56 Ruska str., 46001, Ternopil, Ukraine

Bibliographic description:

 

Polishchuk, N. & Golda, N. (2020) Rozvytok natsionalnykh platizhnykh system: problemy ta perspektyvy. [Development of national payment systems: problems and prospects]. Sotsialnoekonomichni problemy i derzhava [Socio-Economic Problems and the State] (electronic journal), Vol. 23, no. 2, pp. 14-23. Available at: http://sepd.tntu.edu.ua/images/stories/pdf/2020/20pnvptp.pdf


Submitted date: 


dec-2020


Issue Date: 


sep-2020


Publisher: 


Ternopil Ivan Puluj National Technical University

 


ORCID: 


https://orcid.org/0000-0001-8037-0471
https://orcid.org/0000-0002-1492-6678


DOI:


UDC: 


https://doi.org/10.33108/sepd2020.02.014

 

336.74 (477)


JEL: 


G210


Keywords: 


development
payment system
banking system,
National Bank of Ukraine
commercial banks
security of payment systems


Pages: 


10


Pages: 


14-23


First Page: 


14


Last Page: 


23


Abstract: 


The article presents the theoretical aspects of the payment system, clarifies the definition of the national payment system of a complex and interconnected set of payment and technical elements, each of which contributes to the efficient functioning of both the financial sector and the national economy as a whole. The classification features according to which payment systems are classified are generalized and their types are given. The main tasks of payment systems functioning are outlined. The components of the payment system of Ukraine are considered. The modern basic requirements to payment systems are defined. The current payment systems in Ukraine are analyzed, among which: the national electronic payment system (EPS), created by the National Bank of Ukraine, the National Payment System "Ukrainian Payment Space", 10 intrabank payment systems, 2 money transfer systems, 11 money transfer systems, 1 system settlements and 1 card system created by non-banking institutions, as well as 8 money transfer systems and 4 card payment systems created by non-residents, as well as international payment systems, which include 5 money transfer systems created by Ukrainian banks and 4 money transfer systems created by non-banking institutions . The current state of operations of Ukrainian banks with electronic money is studied. The basic requirements for national payment systems are given. Measures to increase the level of security of the national payment system of Ukraine are outlined. Recommendations for the development of the electronic payment system of Ukraine are presented. Special attention needs to be paid to the development of the national payment system of Ukraine, which depends on the effectively implemented innovations, which consist in the application and expansion of non-cash forms of payment and guarantee of the electronic payment system.


URI: 


http://elartu.tntu.edu.ua/handle/lib/35859


ISSN: 


2223-3822


Copyright owner: 


Scientific Journal "Socio-Economic Problems and the State"


URL-releated material: 


http://sepd.tntu.edu.ua/images/stories/pdf/2020/20pnvptp.pdf
http://zakon.rada.gov.ua
http://212.1.86.13/jspui/bitstream/123456789/3224/1/22.pdf
http://www.economy.nayka.com.ua/?op=1&z=1441
https://bank.gov.ua/
http://www.bis.org/publ/cpss43.htm


References: 


1. Avramchuk, L. A., Korkach I. V. (2017) Suchasnyj stan i perspektyvy rozvytku systemy elektronnykh platezhiv nacionaljnogho banku Ukrajiny. Naukovyj visnyk Mizhnarodnogho ghumanitarnogho universytetu [Current state and prospects of development of the electronic payment system of the National Bank of Ukraine. Scientific Bulletin of the International Humanities University], #5.
2. Azarova A. O., Tesljuk O. V. (2017) Problemy rozvytku platizhnoji systemy Ukrajiny ta shljakhy jikh vyrishennja. Visnyk Khmeljnycjkogho nacionaljnogho universytetu [Problems of development of the payment system of Ukraine and ways to solve them. Bulletin of Khmelnytsky National University]. # 1.
3. Zakon Ukrajiny «Pro platizhni systemy ta perekaz koshtiv v Ukrajini» vid 5 kvitnja 2001 r., zi zminamy ta dopovnennjamy [Pro platizhni systemy ta perekaz koshtiv in Ukraine]. URL: http://zakon.rada.gov.ua
4. Zvit z oversajta infrastruktur finansovogho rynku 2019. [Report on the oversight of financial market infrastructures 2019]. URL: http://212.1.86.13/jspui/bitstream/123456789/3224/1/22.pdf
5. Kovalj N. O., Borshh M. V. (2012) Osoblyvosti funkcionuvannja platizhnykh system Ukrajiny na suchasnomu etapi jikh rozvytku. Efektyvna ekonomika. [Features of functioning of payment systems of Ukraine at the present stage of their development. Efficient economy.] # 10. URL: http://www.economy.nayka.com.ua/?op=1&z=1441
6. Myshhenko S. V. (2010) Problemы formyrovanyja y razvytyja nacyonaljnoj platezhnoj systemы. Uchenыe zapysky Rossyjskogho ghosudarstvennogho socyaljnogho unyversyteta.[ Problems of the formation and development of the national payment system. Scientific notes of the Russian State Social University.] # 9 (85).
7. Mishhenko S. V. (2014) Vdoskonalennja systemy bezghotivkovykh rozdribnykh platezhiv. Visnyk Kyjivsjkogho nacionaljnogho universytetu imeni Tarasa Shevchenka. Serija: Ekonomika. [Improving the system of non-cash retail payments. Bulletin of Taras Shevchenko National University of Kyiv. Series: Economics.]. # 5 (158).
8. Naumenkova S. V., Mishhenko S. V. (2018) Oversajt platizhnykh system na zasadakh ryzyk-orijentovanogho naghljadu. Naukovyj poghljad: ekonomika ta upravlinnja. [Oversight of payment systems on the basis of risk-oriented supervision. Scientific view: economics and management.]. # 2 (60).
9. Nacionaljnyj bank Ukrajiny [National Bank of Ukraine]: veb-sajt. URL: https://bank.gov.ua
10. Platizhni systemy : navchaljnyj posibnyk [Payment systems: a textbook] (2015) / V. A. Jushhenko ta in. Kyjiv : Lybidj.
11. Poghorelenko N. P., Tertychna K. S. (2015) Suchasnyj stan ta perspektyvy rozvytku platizhnoji systemy Ukrajiny. Molodyj vchenyj. [Current state and prospects of development of the payment system of Ukraine. Young scientist.] # 1 (16).
12. Rashhyshyn N.M., Kostak Z.R. (2017) Platizhna systema Ukrajiny ta bezpeka jiji funkcionuvannja. Ghlobaljni ta nacionaljni problemy ekonomiky. [Payment system of Ukraine and security of its functioning. Global and national economic problems.] Vypusk 19.
13. Sytnyk I. P., Korotka A. P. (2019) Perspektyvy vykorystannja jevropejsjkogho dosvidu funkcionuvannja platizhnykh system v Ukrajini. Problemy systemnogho pidkhodu v ekonomici. [Prospects for the use of European experience in the operation of payment systems in Ukraine. Problems of system approach in economy.] # 2(2).
14. Core Principles for Systemically Important Payment Systems (2001) // BIS. Committee on Payment and Settlement Systems. CPSS Publications #43. January URL: http://www.bis.org/publ/cpss43.htm.
15. Sakhno A., Salkova I., Polishchuk N., Kucher, L. and Stashko I. (2020) Efficiency of managing liabilities of enterprises of different types of economic activities. European Journal of Sustainable Development, 9(1): DOI: https://doi.org/10.14207/ejsd.2020.v9n1p423
16. Sakhno A., Polishchuk N., Salkova I. and Kucher A. (2019) Impact of credit and investment resources on the productivity of agricultural sector. European Journal of Sustainable Development, 8(2). DOI: https://doi.org/10.14207/ejsd.2019.v8n2p335.


Issue type: 


Article


Appears in Collections:


Scientific Journal "Socio-Economic Problems and the State", Vol.23, No.2

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